ASPCA | Pet Insurance Review

4.4

out of 5

Number of reviews 12,254

ASPCA Pet Health Insurance® is committed to making veterinary care more affordable for pet parents. Its Complete Coverage plan covers accidents, injuries and illnesses, and features a simplified reimbursement based on percentage of invoice. Learn more about ASPCA’s plan options, read thousands of customer reviews and get a quote so you can make an informed choice about your pet insurance provider.
5

out of 5

POSTED: | BY: Ilona

Insurance that really cares!

I've carried this policy for sometime and never really had to use it except for this year. The couple of times I submitted a claim, I was pleasantly surprised. Claims were handled quickly and efficiently. But the best part was that I received a call from customer service and they asked how my dog, Harley was doing. My own health insurance doesn't even do that for me! ASPCA just doesn't collect the premiums and treat you like a number, they sincerely care about your pet and you.
5

out of 5

POSTED: | BY: Livia Carlotto

Super fast!

The best at claim processing and customer service!
5

out of 5

POSTED: | BY: Nancy Rachlin

When I needed the assistance You were there!

All experiences have been very positive. The ease of filing online and then having direct deposit is wonderful!
5

out of 5

POSTED: | BY: Allison Talley

Wonderful Company

These people made it so easy in our time of stress and need to file claims. Not a time went by where I was talking on the phone or email to a rep and they didn't ask how my pup was and if she was feeling better. Very quick turn around on claims and wonderful customer service. Would recommend to everyone.
5

out of 5

POSTED: | BY: Patricia

The Best Policy I could EVER have had!

I could not say enough for the ASPCA policy I have. I searched out several before purchasing this one. My veterinarian and soon to be veterinarian son (: both recommended this one. It has been easy to purchase and manage and understand. Unfortunately, my Golden Retriever was diagnosed with lymphoma in November - fortunately, he is in remission with his chemotherapy protocol and had done well with his treatment. We expect that he will continue to do well for some time thanks to his treatment. I am very thankful for this policy that was extraordinarily helpful in managing the challenging financial challenges of his treatment. The claims were easy to submit, I do them weekly via fax. I receive notification of their receipt weekly via email and payment is easy to understand, fair and prompt. It makes a huge different in this whole process. In addition? Every now and then I get a message from ASPCA insurance reps asking how we are doing. That never happens with my Blue Cross Blue Shield reps! They are the nicest, kindest, smartest claims reps I have encountered (and I am a psychologist who works with claims - I KNOW!) I am just as grateful for their interactions in making this an easy and warm process as I am for the insurance. I am happy to refer them - and do so often! Many thanks!

Monthly Cost

Rates start at: $10 (for accident only), $16 (Complete Coverage). Rates vary based on species, age, breed, and location.

Coverage

The pay-out amount is based on the actual vet bill, at a rate pre-selected by the customer: 90%, 80% or 70%

Payout Limits

Annual limits can be set by the customer, ranging from $2,500 to $20,000, including an unlimited option. No lifetime limits.

Deductible

$100, $250 or $500 annually.

Age Limits

No upper age limits. Pets must be at least 8 weeks old to enroll.

Waiting Period

There are no waiting periods for preventive care. Coverage begins 14 days after date listed on policy for accidents, illnesses, and knee/ligament conditions.

Exclusions

Pre-existing conditions, cosmetic procedures and breeding costs are not covered. ASPCA Pet Health Insurance has two Preventive Care plans that can be added to help cover a pet’s wellness care, including annual exams, vaccinations, tests, dental cleanings and flea/heartworm preventive. Preventive Care plans reimburse up to a set amount for each listed treatment. If your pet exhibited symptoms of a knee and ligament condition at any time, prior to enrollment or during a waiting period, all ligament and knee conditions will be excluded. Ligament and Knee are conditions involving a ligament, patella, meniscus or soft tissue disorder of the knee. Accident-Only coverage available.
ASPCA Pet Health Insurance®, provided by Crum & Forster Pet Insurance Group through its licensed agency, C&F Insurance Agency, Inc., is committed to improving animal care across the U.S. by making veterinary care more affordable for pet parents. Their Complete Coverage(SM) plan covers accidents, injuries, illnesses and more, and features simplified reimbursement based on percentage of invoice.  Preventive Care is available at an additional cost.

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